Astoria Financial Corporation is the holding company for Astoria Federal Savings and Loan Association. Established in 1888, today we have assets of $16.2 billion, with deposits in New York totaling $10.4 billion that make us the largest thrift depository headquartered in New York Ai and one of the largest banks in the United States. We originate residential mortgage loans through banking and loan production offices in New York, a broker network covering four states, primarily along the East Coast, and through correspondent relationships covering nine states and the District of Columbia. We also originate multi-family and commercial real estate loans, primarily on rent controlled and rent stabilized apartment buildings, located in New York City and the metropolitan area.